QUINCY VALLEY CHAMBER OF COMMERCE

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1974

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

QUINCY VALLEY CHAMBER OF COMMERCE, founded in 1974, is a small nonprofit that reported $244K in total revenue in fiscal year 2023. Expenses of $223K left a modest 9% surplus.

Mission

TO PROMOTE LOCAL BUSINESS IN THE QUINCY VALLEY

Program Service Accomplishments

Program 1

THE QUINCY VALLEY CHAMBER OF COMMERCE (THE CHAMBER) PROVIDES BUSINESS NETWORKING, RESOURCES AND EDUCATION. THE CHAMBER HOSTS EVENTS THROUGHOUT THE YEAR FOR BUSINESSES IN QUINCY, SUCH AS BUSINESS...

THE QUINCY VALLEY CHAMBER OF COMMERCE (THE CHAMBER) PROVIDES BUSINESS NETWORKING, RESOURCES AND EDUCATION. THE CHAMBER HOSTS EVENTS THROUGHOUT THE YEAR FOR BUSINESSES IN QUINCY, SUCH AS BUSINESS AFTER HOURS (ATTENDED BY APPROXIMATELY 35-50 PEOPLE EACH MONTH) AND THE DRU GIMLIN 3 ON 3 BASKETBALL TOURNAMENT (ATTENDED BY APPROXIMATELY 300 PEOPLE EACH YEAR).

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $149,844

Program Service Revenue $93,354

Investment Income $23

Other Revenue $1,118

TOTAL REVENUE $244,339

Expense Breakdown

Grants Paid $0

Salaries & Benefits $54,695

Fundraising Expenses $0

Other Expenses $168,679

TOTAL EXPENSES $223,374

Year-over-Year Comparison

	2023	2022	Change
Revenue	$244,339	$248,162	0.0%
Expenses	$223,374	$235,458	-0.1%
Net Income	$20,965	$12,704	+0.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

$49,900

Key Employees

$19,790

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARI MATHEWS	EXECUTIVE DIRECTOR	24.00	Director	$30,110	$0	$30,110
CATALINA BLANCAS	EXECUTIVE ASSISTANT	24.00	Director Key Emp	$19,790	$0	$19,790
TOM RICHARDSON	DIRECTOR	1.00	Director	$0	$0	$0
MEGAN PEREIRA	DIRECTOR	1.00	Director	$0	$0	$0
JOSH PAUL	PAST PRESIDENT	0.00	Director	$0	$0	$0
RILEY SUNDBERG	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK HALEY	DIRECTOR	1.00	Director	$0	$0	$0
HEATH KAECH	DIRECTOR	1.00	Director	$0	$0	$0
TOM PARRISH	DIRECTOR	1.00	Director	$0	$0	$0
GIGI LOWRY	DIRECTOR	1.00	Director	$0	$0	$0
FERNANDO AVALOS	PRESIDENT	1.00	Officer Director	$0	$0	$0
REBECCA AYALA	PRESIDENT ELECT	1.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2023	$244,339	$223,374	$174,780	$20,965
2022	$248,162	$235,458	$153,140	$12,704
2021	$219,189	$192,850	$140,088	$26,339
2020	$104,292	$106,067	$113,285	$-1,775
2019	$178,376	$193,511	$118,236	$-15,135
2018	$155,644	$185,928	$131,531	$-30,284